The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 819,988 2,834 SH SOLE 0 0 2,834
FIDELITY COVINGTON TRUST ENH MID COR ETF 31609A503 1,252,730 30,871 SH SOLE 0 0 30,871
FIDELITY COVINGTON TRUST ENHA HIGH YI ETF 316092618 998,983 20,375 SH SOLE 0 0 20,375
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 2,206,076 54,973 SH SOLE 0 0 54,973
FIDELITY COVINGTON TRUST ENHANCED SML CAP 31609A206 915,850 18,966 SH SOLE 0 0 18,966
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 5,030,281 171,682 SH SOLE 0 0 171,682
ISHARES GOLD TRUST MICRO SHS REPSTG UN TR 46436F103 599,150 14,975 SH SOLE 0 0 14,975
ISHARES TR 0-5 YR TIPS ETF 46429B747 841,596 8,238 SH SOLE 0 0 8,238
ISHARES TR 0-5YR INVT GR CP 46434V100 3,796,830 75,379 SH SOLE 0 0 75,379
ISHARES TR CORE 1 5 YR USD 46432F859 6,758,922 140,081 SH SOLE 0 0 140,081
ISHARES TR CORE MSCI TOTAL 46432F834 5,749,240 60,239 SH SOLE 0 0 60,239
ISHARES TR CORE S&P MCP ETF 464287507 13,191,258 171,071 SH SOLE 0 0 171,071
ISHARES TR CORE S&P SCP ETF 464287804 8,205,959 55,330 SH SOLE 0 0 55,330
ISHARES TR CORE S&P TTL STK 464287150 525,171 3,197 SH SOLE 0 0 3,197
ISHARES TR CORE S&P US VLU 464287663 7,273,446 66,032 SH SOLE 0 0 66,032
ISHARES TR CORE S&P500 ETF 464287200 29,854,026 39,864 SH SOLE 0 0 39,864
ISHARES TR CORE US AGGBD ET 464287226 13,135,917 132,713 SH SOLE 0 0 132,713
ISHARES TR ESG AWR US AGRGT 46435U549 241,888 5,102 SH SOLE 0 0 5,102
ISHARES TR ESG AWRE 1 5 YR 46435G243 593,631 23,755 SH SOLE 0 0 23,755
ISHARES TR IBOXX INV CP ETF 464287242 6,182,793 56,686 SH SOLE 0 0 56,686
ISHARES TR S&P MC 400VL ETF 464287705 337,711 2,286 SH SOLE 0 0 2,286
ISHARES TR TIPS BD ETF 464287176 2,130,868 19,472 SH SOLE 0 0 19,472
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 222,975 4,416 SH SOLE 0 0 4,416
NUSHARES ETF TR NUVEEN ESG US 67092P870 646,656 29,214 SH SOLE 0 0 29,214
VANGUARD BD INDEX FDS INTERMED TERM 921937819 450,095 5,868 SH SOLE 0 0 5,868
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 520,889 6,686 SH SOLE 0 0 6,686
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 222,946 2,312 SH SOLE 0 0 2,312
VANGUARD WORLD FD ESG INTL STK ETF 921910725 326,057 3,960 SH SOLE 0 0 3,960
VANGUARD WORLD FD ESG US CORP BD 921910691 465,911 7,424 SH SOLE 0 0 7,424
VANGUARD WORLD FD ESG US STK ETF 921910733 1,220,727 9,231 SH SOLE 0 0 9,231